MrHard - 9:09 pm on Nov 4, 2010 (gmt 0)
Ebay customers are pains. Fortunately, I have found that "normal" customers from other venues are not this way at all.
Same with PayPal. It's a pain in generally the same manner that Ebay customers are.
The more professionally you do business the more professional your dealings with customers and financial organizations are likely to be. Getting a real merchant account with a bank would be a nice step if you find you don't want to deal with the irritations and loss of reputation a third party payment service will bring you.
Yes, that's third party. Just to clarify, PayPal and places like it such as Authorize.net, World Pay, etc. etc. etc. are letting you use their bank merchant account, so they are a third party provider. They simply process your funds through another account and take a cut along the way.
The more middlemen you have in the feeding chain, the more likely someone is to see you as unimportant and therefore less likely to want to refund or cooperate when something goes wrong.
If you want to cut out some of the fat and be treated more fairly with disputes and such you need to apply for your own merchant account with a bank.